Bitcoin Collateral Loan — our mission and principles
Borrowing against bitcoin lets you unlock cash without selling — and can wipe out your collateral in a single volatile week. Bitcoin Collateral Loan exists to lay out both sides with the same rigor, so you understand the loan before you sign it.
Bitcoin Collateral Loan is an independent publication focused on one subject: loans secured by bitcoin and other crypto assets. We explain how these products actually work, what they cost, and where they break.
Our guides cover the full lifecycle of a crypto-backed loan: qualifying and choosing a platform, understanding LTV and liquidation mechanics, the IRS treatment at each stage, and what happens when things go wrong. Everything is free to read, with no sign-up.
Who reads {name}
Bitcoin Collateral Loan is written for US bitcoin holders weighing a loan against selling: long-term holders with large unrealized gains, borrowers comparing platforms after the 2022 lender collapses, and anyone trying to understand margin calls before signing a loan agreement.
How we verify our information
Our guides draw on regulatory publications (SEC, CFTC, FinCEN, state lending regulators), IRS guidance on digital assets, court filings from past lender failures, and the published terms of the platforms we review. Rates and LTV thresholds are dated, sourced, and updated when platforms change their terms.
Every guide relies on primary sources: IRS guidance, SEC and CFPB publications, Federal Reserve research, court records from past lender failures, and the published terms of the platforms we review. Figures are dated and sourced. Sponsored placements, when they exist, are labeled.
How we work
Four rules govern the site: risks before benefits in every guide, no figure without a dated source, no platform recommendation influenced by a commercial relationship, and updates whenever platforms change their terms or regulators change the rules.
Independence
Bitcoin Collateral Loan may earn revenue from clearly disclosed sponsored links and articles. Advertisers get no say in our editorial coverage, our platform assessments, or our warnings. A platform we mention is not necessarily a partner, and a partner gets no softer treatment in our risk analysis.
A warning about risk
Crypto-collateralized debt sits squarely in "Your Money or Your Life" territory. Our content is written by contributors who follow this market daily, but it is never a substitute for a certified financial planner, a CPA, or an attorney who knows your situation. We say so in every guide, and we mean it.
Who writes our guides
Our content is written and reviewed by our editorial team. Meet the editorial team.
Our transparency commitment
Full transparency about our editorial practices: sources used, fact-checking process, update policy, and disclosure of commercial content. Read our editorial process.